Croyances de survie et choix de contrat d'assurance décès une étude empirique

Meglena Jeleva

Recherches économiques de Louvain, 2005, vol. 71, issue 1, 95-116

Abstract: This article is an empirical study of the self-perceived mortality risk and of its impact on life insurance decisions. The sample contains individuals between 45 and 65 years old, who were asked about their self-perceived risk, their health characteristics, socioeconomic situation as well as about the characteristics of their life insurance contracts. The impact of the various diseases and of smoking on the mortality beliefs observed confirms the individuals' rationality. The objective characteristics reveal however not to be sufficient to explain the self-perceived risks, the impact of uncertainty aversion being significant. Besides, the decisions of purchasing or not life insurance and of the insured amount seem taken separately. Indeed, variables explaining the two decisions differ.

Date: 2005
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